Transferring from Out-of-State to UMich

<p>I'm an international student studying at an 4-year college in PA. I would like to transfer to umich as a junior after next semester. However, I am pretty worried about it since my transferable credits may not be enough. Somehow 2-3 courses taken by me are proven to be not transferable. I think I will end up having only 4X(worst case)- 5X transferable credits when I finish the fourth semester. Will the chance for me to transfer be affected by it? My gpa now is 3.92(3.918). Also, I haven't taken the SAT as I am an international student. If I take the test, will I stand a greater chance being admitted?</p>